Brogden's Debt Disaster & Self Managed DMP!

Brogden

Eager_Elephant wrote: »

Ooh namecheck!!


It was quite nice to look back and see where I was 5 years ago.


Your plans all look very good and I will continue to follow your diary.

Thanks Elephant x

You can come over and boss me about any time :rotfl:!!!!

Brogden x

lucielle

Some great posts there Brogden
L

Brogden

lucielle wrote: »

Some great posts there Brogden
L

Thank you Lucielle.....I hope I'm not boring anybody

Brogden x

in_need_of_direction

If you were , we would probably tell you!

grannyx2

I read them when I need to sleep - :rotfl: :rotfl: ha ha - love you really x

Brogden

in_need_of_direction wrote: »

If you were , we would probably tell you!

Thank you INOD

I am sure that 'you' would tell me in no uncertain terms !!

I thought I should say it in case there were any 'wallflowers' out there who wouldn't like to offend

Brogden x

Brogden

grannyx2 wrote: »

I read them when I need to sleep - :rotfl: :rotfl: ha ha - love you really x

They told me as a child Granny that I should count sheep going over a styal .........this does sound infinitely more stimulating doesn't it? x

Brogden

Weekend :beer: .......a trip to the dump :beer: .......
Been out in the wind and rain the last couple of days, pushing the car a few hundred miles through a constant sheet of water....the wind trying to take it off the road at any and every opportunity :eek:.

It is my own calm before the storm....plodding, adjusting and rearranging the financial spreadsheets in OCD fashion (OCD is something to be proud of by the way !!) I am hopeful of a big change if some F&F's are accepted and I can see the financial 'space' there could be in my spreadsheet. Any savings will not be used on 'wine, women and song' but on 'fighting the good fight' with greater gusto than I ever have before !!

I mentioned before I am concentrating on debts and doing no more with the mortgage than paying my existing £10.00 per month standing order, now increased by the amount of my extra pay as a result of the flexi-holiday scheme .

I have had the occasional panic about putting off the mortgage job but I can't do everything all in one go so best to concentrate on one thing (in a very male way) rather than spread my efforts. If a man does multi-tasking we end up with a namby-pamby half-way house on everything !! Not true with ladies.....I know, I know

Have a good day folks - don't get blown away

Brogden

in_need_of_direction

An extra £10 a month is more than I ever thought about while clearing debt. I think you're right to aim for the debt clearance first. Hope the weather settles down for you. We had a wild night but this morning seems relatively calm.

Brogden

Thanks to everybody who has helped me on my old Debt v Mortgage priority procrastination session !!

As I mentioned, in addition to the £10.00 per month SO I started two months ago, I am going to pay my net 'flexi-holiday' pay to the mortgage on top. The reason I am doing this is nothing other than the fact that I decided last year I was going to do this.......so I'm bloody going to do it !! What is a plan and a decision if there is no following through? Its tiny but its a start and if we're honest......this bit of money could have no real impact on the debts at all.

I am not ignoring any friendly advice.....I do appreciate it, am almost totally following it and I absolutely love you all !!

So, outside of this little 'tweak' its debts, debts, debts all the way !! I hope and pray I will have great reason to change emphasis in the next few months. This is all dependent on negotiating amazing F&F !! I may fall flat on my face yet ......in a muddy puddle !!

What I cannot allow to happen is to have one or two substantial predators who will not entertain any discount at all and to consider them total priority for years to come at the expense of keeping a roof over heads. If it comes to that I will give new I&E's showing all available funds swallowed by catch up mortgage capital payments and I will do just that - can they say to me this is not priority? I really do not think they can If some debt then lingers whilst I work on the mortgage so be it.

Just a point.....F&F's (Full & Finals) is a complete misnomer and is wrong! We shouldn't really use this 'term' when speaking with predators and manifest our ignorance. It is a 'P&F'.........'a Partial and Final Settlement for me please.....my good man !'

Partial - 'I only want to pay some of it.'
Final - 'That's it and I don't want to pay any more.'

Say 'Full & Final' and the predators will be licking their lips

Sorry.....I must be in a very 'anal' mood this morning !

All peace and quiet at Brogden Towers at the moment but that will change in the next few minutes I am sure.....another football weekend. Not for me......I like all things except for football and salad !!

Oh yeah.......the tumble dryer died last night I'm going to try the kiss of life now but I think I might be making funeral arrangements !!

Brogden